For property owners
When selling isn’t the answer, or isn’t enough.
An estate agent has one tool: put it on the market and wait for a buyer. That works for most properties. When it doesn’t — because the property is empty, needs work you can’t fund, won’t mortgage, or carries more debt than it’s worth — you need someone with a wider set of tools. That’s what we are.
The difference
We’re investors, not agents
An agent earns a commission when your property sells to somebody else. That makes them useful when there’s a willing buyer and unhelpful when there isn’t.
We put our own money and our investors’ money into property, which means we can do things an agency structurally cannot: buy it ourselves, fund the work it needs, take over running it, or build a structure around a problem that a straight sale can’t solve.
It also means we are not automatically the right answer. Plenty of the conversations we have end with us saying a decent local agent will get you more money. That’s a good outcome too, and you’ll hear it from us early rather than after six wasted weeks.
Selling an ordinary home in ordinary condition?
Then this probably isn’t the page you want. A properly marketed sale will very likely beat anything creative. Our selling page is built for that →
Where people usually are
The four we hear most
None of these are unusual and none of them are anything to be embarrassed about. They just change which tool is the right one.
The sale fell through
Your buyer pulled out, or somebody four links up did, and the purchase you were counting on is now at risk. Re-marketing means starting the clock again with no guarantee it holds the second time.
A chain-free buyer removes the problem entirely, and auction gives you a date you can actually plan around.
You owe more than it’s worth
A normal sale cannot clear the debt, so the usual advice stops applying. What matters is what your lender will accept and how much time you genuinely have.
This is where a structured arrangement can sometimes work when nothing else will — and where you should be most careful, and take independent advice.
You have to be somewhere else
A job starting in another city, a family reason, a date that will not move. Carrying two properties while you wait for a buyer is expensive and stressful in equal measure.
Certainty of sale is often worth more than the last few thousand on the price.
Two people, one property
A decision that has to be made while everything else is already difficult, often with solicitors involved and neither side wanting to wait on the other.
We deal with both of you evenly, keep it businesslike, and work to whatever has been agreed between your solicitors.
Not on the list? It probably still fits somewhere — the finder below covers empty properties, inherited ones, tenanted ones and properties that simply need more work than you can put into them.
The toolkit
What we can actually bring to a problem
Not every tool fits every property, and some of these need legal advice on both sides before anyone signs. But this is the range.
Buy it ourselves
We or an investor from our network purchase directly. No chain, no mortgage condition, a completion date you help set.
Auction
A fixed date, a reserve you control, binding exchange on the hammer. Our partner charges a 0% sales fee.
Assisted sale
We fund and run the work the property needs, it sells for more, and the proceeds split on terms agreed at the start.
Refurbishment partnership
You keep ownership. We bring the money and the trades, and we share the uplift when the work is done.
Lease options and similar
We take on the running and the payments for an agreed period, with an agreed option to buy later. Legally involved, and not right for everyone.
Letting and management
For landlords whose problem is the workload rather than the asset. Keep it, stop doing the work — full management at 5%, no VAT, UK-wide. How that works →
Sale with tenants in place
No need to evict anybody. An investor buys it as it stands and the rent keeps arriving until the day you complete.
Portfolio structuring
More than one property is a different transaction. Handled separately →
Just a straight answer
Sometimes the useful thing is someone telling you what your options genuinely are, and that costs nothing.
Solution finder
Five questions, then a straight answer
Nothing is stored until you choose to send it, and there’s no obligation at the end of it.
Question 1 of 5
The solution finder needs JavaScript. With it switched off, the quickest route is a two-minute phone call — 07890 566668 — or send a message describing the property and the problem, and you’ll get the same answer by email.
What this is and isn’t. The finder points at approaches worth discussing. It is not advice, not an offer, and not a promise that any particular arrangement is available to you. Some of the structures mentioned are legally complex and may be regulated; any of them would involve independent legal advice on both sides and written terms before anything happened. If you are struggling with mortgage payments or debt, please also speak to your lender and get free independent advice from a charity such as StepChange, Citizens Advice or Shelter. We are not a substitute for that and won’t pretend to be.
Confidential conversation
Tell us about the property
If you used the finder above, your answers come through with the message. If you skipped it, just describe the situation — that works too. Either way it goes to Sam and nobody else.
Message received.
Thanks — that’s with Sam now.
What happens next:
- Sam reads it personally. Nothing here is automated and nobody else sees it.
- You’ll hear back within two working days, usually sooner.
- The first reply sets out the realistic options — including if the honest answer is that you don’t need us.
If it’s urgent, call 07890 566668 rather than waiting.
That didn’t send.
A fault at our end, not yours. Please email sam@mosstoneproperty.com or call 07890 566668.